Apple Card Apple Card - two AppleIDs (one edu, one non-US), which should I use

[Ankaa]

I've been wanting to finally get an Apple Card and I'm unsure which AppleID I should use. Here's my situation:

I'm not from the US, but have been living in the US for 7+ years.

I have one "main" AppleID that I've been using for many many years and is the ID I use for my Macs, iMessage, iCloud, on my iPhone etc.. This ID is connected with FamilySharing to my husband's ID, and for Apple Music and App Store set to our home country (which we don't want to change because of access to the local Music and Podcast catalog - our library predates our move).

I also have a second AppleID that's tied to my US edu email and that I've been using for edu-discounted purchases in the past. I've occasionally been using that ID for apps that were US-only.

I'm in need of a new Macbook and have been wanting to take advantage of both the Back-to-School promo as well as the 12-month finacing that comes with Apple Card. I've been wanting an Apple Card for its other conveniences for quite a while, anyways.

From what I've researched so far:
If I apply for Apple Card with my edu email, I won't be able to add the Apple Card to my wallet on my iPhone, as that's tied to my non-edu email's AppleID. Is that still correct? Most posts in that regard are a few years old.

However, if I apply for Apple Card with my non-edu email, I won't be able to use it for my Edu store purchase?

I tried to play through the purchase in the store and apply for Apple Card during the process and get the message that if I use my non-edu email to apply for Apple Card, this will be the email used for the order (and all order updates). Which wouldn't be eligible for the edu discount? How do they verify eligibility?

Any recommendations and/or similar experiences?

I'm not trying to game any system. I'm just an international resident in the US that is eligible for edu discounts in the US. I guess I'll never understand why Apple makes it so complicated for people like myself (and other expats/temporary residents of two countries) and doesn't officially allow two AppleIDs (or access to two app stores/Music)...

Thank you!

 

[0128672]

Will the 3% you'd earn on the non-edu Apple Card offset the edu discount? In other words, which is the better discount/cash back if you have to choose?

Apple Card isn't the only one to offer installment plans, although it's the only one that's an option in the buying process. Many cards now offer this option for larger purchases post-purchase. Some don't charge interest but may charge a small monthly fee.

Apparently Apple does not verify educational eligibility status, but it has the right to.

 

[Ankaa]

The problem self-resolved (sorta) as with the non-edu ID I can't even apply for AppleCard because of the ID's region settings. Which means, I can either choose to take advantage of the financing, but not really of the daily cashback as I can't add it to my wallet, or I have to convince my husband to change the region setting to US (which is unlikely he's willing to do for stated reasons. I'm not going to opt out of family sharing as we both use Apple Music specifically, heavily).

Will the 3% you'd earn on the non-edu Apple Card offset the edu discount?

I'd get the 3% in addition to the edu-discount, so no, it won't actually offsett the discount. As to your other question, I already have a Chase rewards card, which does not offer 0% financing, and I'm not really willing to apply for numerous more CCs. I'd only been looking towards the Apple Card due to the 0% financing of Apple products IN ADDITION to the ease of use and seamless integration into the Apple ecosystem (which we're heavily invested in) and wallet.

Thank you anyways